FHA VS Conventional loan programs in Amherst, Hampshire County, Massachusetts

In 2025, the Conventional loan limit for Amherst, in Hampshire county, MA, is $647,200. In contrast, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to compare today’s best rates for Conventional, FHA, and USDA loans. It helps determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in MA suits your financial situation best.

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2025 Loan Limits and Downpayment Requirements in Amherst, County of Hampshire, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison applies to the zip codes: 01002, 01003, 01004, 01059

Options for Conventional and FHA Loans in Amherst, MA

The aim of Lendersa® is to rapidly secure the best Conventional, USDA, or FHA loan for you, free of hassle. Choose from three starting options to find matching lenders and loan programs.

Lendersa USDA loan request and matching results


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